Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Average auto insurance rates for a Toyota Tundra are $1,442 annually for full coverage. Comprehensive insurance costs on average $306, collision insurance costs $506, and liability costs $450. A liability-only policy costs as little as $518 a year, and high-risk insurance costs $3,106 or more. Teenage drivers receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Toyota Tundra insurance rates for different risk profiles and scenarios.

• The best discount rate is $843
• Drivers who choose higher $1,000 deductibles will pay around $182 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,442
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $358 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,106
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,420 a year

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Insurance rates for a Toyota Tundra can also vary considerably based on the trim level of your Tundra, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $405 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Tundra insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,060 on average in Michigan, Louisiana, and New York.

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Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Cheapest Toyota Tundra Insurance

Saving money on insurance for a Toyota Tundra not only requires being a good driver, but also having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Make time to compare rates every year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a recap of the coverage data touched on in this article.

• Drivers can save as much as $170 per year just by shopping early and online
• Increasing deductibles could save up to $550 each year
• Drivers age 16 to 20 pay the highest rates, costing as high as $452 per month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,660 more each year than a safer driver

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.